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Housing Economics
by Geoffrey Meen Kenneth Gibb Chris Leishman Christian A. NygaardThe world has still to emerge fully from the housing-triggered Global Financial Crisis, but housing crises are not new. The history of housing shows long-run social progress, littered with major disasters; nevertheless the progress is often forgotten, whilst the difficulties hit the headlines. Housing Economics provides a long-term economic perspective on macro and urban housing issues, from the Victorian era onwards. A historical perspective sheds light on modern problems and the constraints on what can be achieved; it concentrates on the key policy issues of housing supply, affordability, tenure, the distribution of migrant communities, mortgage markets and household mobility. Local case studies are interwoven with city-wide aggregate analysis. Three sets of issues are addressed: the underlying reasons for the initial establishment of residential neighbourhoods, the processes that generate growth, decline and patterns of integration/segregation, and the impact of historical development on current problems and the implications for policy.
Housing Estates in Europe: Poverty, Ethnic Segregation And Policy Challenges (The Urban Book Series)
by Daniel Baldwin Hess Maarten Van Ham Tiit TammaruThis open access book explores the formation and socio-spatial trajectories of large housing estates in Europe. Are these estates clustered or scattered? Which social groups originally had access to residential space in housing estates? What is the size, scale and geography of housing estates, their architectural and built environment composition, services and neighbourhood amenities, and metropolitan connectivity? How do housing estates contribute to the urban mosaic of neighborhoods by ethnic and socio-economic status? What types of policies and planning initiatives have been implemented in order to prevent the social downgrading of housing estates?The collection of chapters in this book addresses these questions from a new perspective previously unexplored in scholarly literature. The social aspects of housing estates are thoroughly investigated (including socio-demographic and economic characteristics of current and past inhabitants; ethnicity and segregation patterns; population dynamics; etc.), and the physical composition of housing estates is described in significant detail (including building materials; building form; architectural and landscape design; built environment characteristics; etc.). This book is timely because the recent global economic crisis and Europe’s immigration crisis demand a thorough investigation of the role large housing estates play in poverty and ethnic concentration. Through case studies of housing estates in 14 European centers, the book also identifies policy measures that have been used to address challenges in housing estates throughout Europe.
Housing Estates in the Baltic Countries: The Legacy of Central Planning in Estonia, Latvia and Lithuania (The Urban Book Series)
by Daniel Baldwin Hess Tiit TammaruThis open access book focuses on the formation and later socio-spatial trajectories of large housing estates in the Baltic countries—Estonia, Latvia, and Lithuania. It also explores claims that a distinctly “westward-looking orientation” in their design produced housing estates that were superior in design to those produced elsewhere in the Soviet Union (between 1944 and 1991, Estonia was a member republic of the USSR). The first two parts of the book provide contextual material to help readers understand the vision behind housing estates in Estonia, Latvia, and Lithuania. These sections present the background of housing estates in the Baltic Republics as well as challenges and debates concerning their formation, evolution, and present condition and importance. Subsequent parts of the book consist of:demographic analyses of the socioeconomic characteristics and ethnicity of housing estate residents (past and present) in the three Baltic capital cities, case studies of people and places related to housing estates in the Baltic countries, and chapters exploring relevant special topics and themes.This book will be of interest to students, scholars, and advocates interested in understanding the past, present, and future importance of housing estates in the Baltic countries.
Housing Finance Systems
by Sock-Yong PhangThe term 'housing crisis' has recently been associated with rising foreclosure rates and tottering financial institutions, particularly in the US and Europe. However, in many emerging countries, the housing crisis is about urban poverty, unplanned settlements, overcrowded slums and homelessness.
Housing Finance and Mortgage-Backed Securities in Mexico
by Luisa Zanforlin Marco EspinosaA report from the International Monetary Fund.
Housing Fit For Purpose: Performance, Feedback and Learning
by Fionn StevensonHousing Fit for Purpose sets out a research-focused approach to looking at the challenges facing the built environment in approaching the design, construction and management of housing. This book uses original research by the author on housing performance evaluation and distils it for built environment professionals, arguing that learning from feedback should be taking place at every stage of the housing project lifecycle, improving outcomes for end users. Drawing on active research, this book shows why and how the design, construction and management of housing can be linked to feedback and actual evidence of how people choose, and learn, to use their homes. It examines the key concepts which underlie participatory design, occupancy feedback and learning, and includes a practical primer on how to undertake housing occupancy feedback.
Housing Market Renewal and Social Class (Housing, Planning and Design Series)
by Chris AllenHousing market renewal is one of the most controversial urban policy programmes of recent years. Housing Market Renewal and Social Class critically examines the rationale for housing market renewal: to develop 'high value' housing markets in place of the so-called 'failing markets' of low-cost housing. Whose interests are served by such a programme and who loses out? Drawing on empirical evidence from Liverpool, the author argues that housing market renewal plays to the interests of the middle classes in viewing the market for houses as a field of social and economic 'opportunities', a stark contrast to a working class who are more concerned with the practicalities of 'dwelling'. Against this background of these differing attitudes to the housing market, Housing Market Renewal and Social Class explores the difficult question of whether institutions are now using the housing market renewal programme to make profits at the expense of ordinary working-class people. Reflecting on how this situation has come about, the book critically examines the purpose of current housing market renewal policies, and suggests directions for interested social scientists wishing to understand the implications of the programme. Housing Market Renewal and Social Class provides a unique phenomenological understanding of the relationship between social class and the market for houses, and will be compelling reading for anybody concerned with the situation of working class people living in UK cities.
Housing Market Response to Sea-Level Rise in Florida (Coastal Research Library #37)
by Risa Palm Toby BolsenSouth Florida continues to attract new residents despite its susceptibility to sea-level rise. This book explores the views of real estate agent with respect to how prospective homebuyers assess the risk of flooding. It reports on their observations as to whether house prices are stagnant or falling in coastal areas vulnerable to flooding, and their conclusions after working with prospective homebuyers as to whether coastal south Florida is a good place to find a home or, alternatively, a risky investment in a place that will eventually be submerged by rising seas. The book reports on a 2020 survey of real estate agents and concludes that it is not clear that the housing market has integrated flood risk either into reduced demand for housing or in reduced prices for houses susceptible to flooding. These conclusions have important implications for understanding how the risks of climate change and sea-level rise are reflected in the housing market both now and in the near-term future.
Housing Markets and Household Behavior in Japan (Advances in Japanese Business and Economics #19)
by Miki SekoThis book addresses essential questions about housing by building theoretical models based on various real world problems in Japan and testing these models using econometric methods. Almost all related empirical analyses use Japanese household longitudinal data. Accordingly, the author analyzes whole aspects of the data, based on an understanding of the actual situation, theory, and empirical analysis, to directly derive a vision of a future housing policy. Why are houses expensive and difficult to obtain in Japan? Why do people have to live in small houses? Why do people not relocate frequently? Why is the earthquake insurance subscription rate so low, particularly in an earthquake-prone country such as Japan, even after such a catastrophic event as the Great East Japan Earthquake of 2011? How do existing housing finance and tax policies or laws relate to these real world problems? To answer these questions, the book clarifies the unique criteria that characterize housing problems in Japan and presents a vision of future housing policy. The short answer is that existing housing finance policy that adopts criteria based on the floor space of houses creates incentives for people to live in even smaller houses. Furthermore, the Japan Rental Act, which affects people renting homes, reduces residential mobility. The incidence of underinsurance against earthquake risk is a result of earthquake insurance market imperfections such as crude and rough geographical risk ratings. The book elaborates on these factors in four parts and will be of interest to all readers who are concerned with the housing market and household behavior in Japan.
Housing Needs and Policy Approaches: Trends in Thirteen Countries
by Elizabeth Huttman Willem Van Vliet— Sylvia F. FavaDrawing upon research from six continents, Housing Needs and Policy Approaches analyzes the social problems involved with providing housing in the industrialized nations and in the Third World. The book focuses on four areas of concern: current trends in housing in specific Western countries, the role of Western governments in creating this housing, housing provisions in less developed nations, and the relationship of societal structure and housing, particularly with respect to the decentralization of population occurring in many regions.
Housing Policy and Equality: A Comparative Study of Tenure Conversions and Their Effects (Routledge Library Editions: Inequality #6)
by Lennart J. LundqvistOriginally published in 1986, this book compares and evaluates the effects of converting rental housing into owner occupancy in the USA, the UK and Germany. The evaluation examines the pros and cons of such conversions. The conversion controversy is more than a technical discussion of outcomes of different housing strategies. By viewing tenure conversions as strategies for limiting direct governmental involvement, this comparative evaluation indicates something about the effects not only on housing, but on general social welfare, of such strategies.
Housing Policy and Rented Housing in Europe
by Michael Oxley Jaqueline SmithThe book will inform a wide audience about the provision of rented housing in several European countries. The material is relevant to many housing, surveying and planning undergraduate and postgraduate courses which have a European housing element/option.
Housing Policy in Australia: A Case for System Reform
by Judith Yates Hal Pawson Vivienne MilliganThis book, the first comprehensive overview of housing policy in Australia in 25 years, investigates the many dimensions of housing affordability and government actions that affect affordability outcomes. It analyses the causes and implications of declining home ownership, rising rates of rental stress and the neglect of social housing, as well as the housing situation of Indigenous Australians. The book covers a period where housing policy primarily operated under a neo-liberal paradigm dominated by financial de-regulation and fiscal austerity. It critiques the broad and fragmented range of government measures that have influenced housing outcomes over this period. These include regulation, planning and tax policies as well as explicit housing programs. The book also identifies current and future housing challenges for Australian governments, recognizing these as a complex set of inter-connected problems. Drawing on its coverage of the economics, politics and administration of housing provision, the book sets out priorities for the transformational national strategy needed for a fairer and more productive housing system, and to improve affordability outcomes for the most vulnerable Australians.
Housing Policy in Britain and Europe (Routledge Library Editions: Urban and Regional Economics)
by Mark Stephens Gavin McCroneOriginally published in 1995. A comprehensive survey of housing policy throughout Europe, anchored in a thorough analysis of the UK, this book is a text for students of housing at the undergraduate and graduate levels. The book considers housing tenure types and looks at standards of living, housing stock, housing allowances and subsidies and European funds. There are separate chapters for France, Germany, Spain, The Netherlands and Sweden. The later chapters focus on Britain and look more in depth at population issues and economics and address regional policy.
Housing Policy, Wellbeing and Social Development in Asia (Routledge Studies in International Real Estate)
by Rebecca Lai Chiu Seong-Kyu HaThis book investigates how housing policy changes in Asia since the late 1990s have impacted on housing affordability, security, livability, culture and social development. <P><P> Using case study examples from countries/cities including China, Hong Kong, India, Japan, Taiwan, Korea, Malaysia, Bangladesh, Singapore, Indonesia, Thailand and Vietnam, the contributors contextualize housing policy development in terms of both global and local socio-economic and political changes. They then investigate how policy changes have shaped and re-shaped the housing wellbeing of the local people and the social development within these places, which they argue should constitute the core purpose of housing policy. <P><P> This book will open up a new dimension for understanding housing and social development in Asia and a new conceptual perspective with which to examine housing which, by nature, is culture-sensitive and people-oriented. It will be of interest to students, scholars and professionals in the areas of housing studies, urban and social development and the public and social policy of Asia.
Housing Reform and China’s Real Estate Industry: Review and Forecast (Research Series on the Chinese Dream and China’s Development Path)
by Pengfei Ni Linhua Zou Guangchun Gao Xuemei JiangThis book provides an in-depth analysis of China’s housing system and real-estate industry .The author weaves together the different elements of the real estate industry into a logically coherent whole, in which the relationship between the real-estate industry and the macroeconomy sets the background, the housing market forms the core, real estate finance makes up a necessary condition, public policy provides the guarantee and the housing system the foundation.The book constructs an analytical framework for the development of China’s housing system that considers a comprehensive range of factors, highlights the most important issues, and is soundly structured, logical and clear. By applying this framework, the authors present an overview of the past, present and future of China’s housing industry.
Housing Sustainability in Low Carbon Cities (Routledge Equity, Justice and the Sustainable City series)
by Ralph HorneHousing affordability, urban development and climate change responses are great challenges that are intertwined, yet the conceptual and policy links between them remain under-developed. Housing Sustainability in Low Carbon Cities addresses this gap by developing an interdisciplinary approach to urban decarbonisation, drawing upon more established, yet quite distinctive, fields of built environment policy and design, housing, and studies of social and economic change. Through this approach, policy and practices of housing affordability, equity, energy efficiency, resilience and renewables are critiqued and alternatives are presented. Drawing upon international case studies, this book provides a unique contribution to interdisciplinary urban and housing studies, discourses and practices in an era of climate change. This book is recommended reading on higher level undergraduate and taught postgraduate courses in architecture, urban studies, planning, built environment, geography and urban studies. It will also be directly valuable to housing and urban policy makers and sustainability practitioners.
Housing Under Platform Capitalism: The Contentious Regulation of Short-Term Rentals in European Cities (IJURR Studies in Urban and Social Change)
by Claire Colomb Thomas Aguilera Francesca ArtioliSince the birth of Airbnb in 2008, many of the world's cities have been transformed by platform-mediated short-term accommodation—a phenomenon suspected of disturbing local life and removing dwellings from local housing inventories. Drawing on mixed-method, multi-level comparative research in twelve large European cities, coauthors Thomas Aguilera, Francesca Artioli, and Claire Colomb show that strikingly different regulatory regimes have emerged around short-term rentals. In some cities, policies aim to curb this practice; in others, regulations are simply meant to support the market. These responses are motivated by a variety of political choices and pressures, from grassroots movements to property interests, the tourism industry, and municipal welfare and housing systems. This book makes a crucial contribution to comparative urban politics in the twenty-first century, investigating the capacity of local states to govern housing markets and platform capitalism in an era of globalized human and capital flows. In the face of this worldwide shift, Housing Under Platform Capitalism insists that institutions and regulations can champion the public good by protecting the right to housing and ultimately limiting corporate power.
Housing and Financial Stability: Mortgage Lending and Macroprudential Policy in the UK and US (Routledge Research in Finance and Banking Law)
by Alan BrenerThis book brings together politics, law, financial services regulation, economics and housing policy in the analysis of mortgage lending and macroprudential policy in the UK and US. The book addresses the relationship between housing policy, credit and financial instability in light of the recent global financial crisis, and proposes both short and long-term solutions. Although it is not known where the next crisis will come from, history suggests that it will have credit and property at its source. Thus, it is important that the UK and other countries look more broadly at what should be done in terms of policies, institutions and tools to make the housing market and mortgage lenders more resilient against a future crisis. This book sets out a number of workable proposals. Central to this work are questions relating to the quantitative macroprudential measures, such as loan-to-value (LTV) and debt-to-income (DTI) restrictions, and whether these can be used to any significant extent in western democracies and, if employed, whether they are likely to be effective. In particular, the book questions the political legitimacy of their use and the potential consequences for the institutions, such as central banks, promulgating such policies. Preserving financial stability in very uncertain market conditions is of key importance to central bankers and other regulators, and macroprudential policy is a rapidly growing subject for both legal and economics study. This book will therefore be of interest to financial professionals, policy-makers and academics.
Housing and Health: The Role of Primary Care (House Of Commons Papers #2016-17 403)
by Gill Paramjit Gilles De WildtHousing is an important determinant of health. This book provides a concise overview of the impact of housing policy and the effect of housing on health. It covers the issues of homelessness and health, collaboration between organisations in delivering housing needs, and focusses on the role of primary care teams as part of the Primary Care Trusts. It will be of interest to all members of primary care organisations, especially those concerned with health and social policy, including clinicians, nurses, psychologists, managers, statutory and voluntary housing organisations, policy makers, shapers and influencers.
Housing and Home Unbound: Intersections in economics, environment and politics in Australia (Routledge Housing Research Series)
by Nicole Cook Aidan Davison Louise CrabtreeHousing and Home Unbound pioneers understandings of housing and home as a meeting ground in which intensive practices, materials and meanings tangle with extensive economic, environmental and political worlds. Cutting across disciplines, the book opens up the conceptual and empirical study of housing and home by exploring the coproduction of the concrete and the abstract, the intimate and the institutional, the experiential and the collective. Exploring diverse examples in Australia and New Zealand, contributors address the interleaving of money and materials in the digital commodity of real estate, the neoliberal invention of housing as a liquid asset and source of welfare provision, and the bundling of car and home in housing markets. The more-than-human relations of housing and home are articulated through the role of suburban nature in the making of Australian modernity, the marketing of nature in waterfront urban renewal, the role of domestic territory in subversive social movements such as Seasteading and Tiny Houses, and the search for home comfort through low-cost energy efficiency practices. The transformative politics of housing and home are explored through the decolonizing of housing tenure, the shaping of housing policy by urban social movements, the lived importance of marginal spaces in Indigenous and other housing, and the affective lessons of the ruin. Beginning with the diverse elements gathered together in housing and home, the text opens up the complex realities and possibilities of human dwelling.
Housing and Labour Markets: Building the Connections (Routledge Library Editions: Labour Economics #1)
by John Allen Chris HamnettFirst published in 1991. The connection between housing and work is one of the most discussed yet least understood aspects of modern society. Housing and Labour Markets explores the different ways in which housing and labour are linked and examines their central significance in many of the key changes in society today. It provides a wide-ranging analysis of the relationships between housing and labour markets, with accounts of the different forms of work, paid and unpaid, in which various types of households are engaged. This edited collection addresses the varied impact of restructuring in both housing and labour markets in different localities and regions, including contributions from the USA and Australia. By making an important input into the growing debate over the inks between home and work, this book shows the direction in which the debate should go, draws out the principal lines of connection and suggests a way forward. The issues addressed in Housing and Labour Markets will be of interest to a wide range of social science disciplines, especially urban studies, economics, sociology, geography and planning. Local government officers in housing and planning will also find it makes an invaluable contribution to developing links between housing and the workplace.
Housing and Mortgage Markets in Historical Perspective (National Bureau of Economic Research Conference Report)
by Price Fishback Kenneth Snowden Eugene N. WhiteThe central role of the housing market in the recent recession raised a series of questions about similar episodes throughout economic history. Were the underlying causes of housing and mortgage crises the same in earlier episodes? Has the onset and spread of crises changed over time? How have previous policy interventions either damaged or improved long-run market performance and stability? This volume begins to answer these questions, providing a much-needed context for understanding recent events by examining how historical housing and mortgage markets workedOCoand how they sometimes failed. Renowned economic historians Eugene N. White, Kenneth Snowden, and Price Fishback survey the foundational research on housing crises, comparing that of the 1930s to that of the early 2000s in order to authoritatively identify what contributed to each crisis. Later chapters explore notable historical experiences with mortgage securitization and the role that federal policy played in the surge in home ownership between 1940 and 1960. By providing a broad historical overview of housing and mortgage markets, the volume offers valuable new insights to inform future policy debates. "
Housing and Technology: Special Focus on Zimbabwe (SpringerBriefs in Environment, Security, Development and Peace #37)
by Innocent Chirisa Abraham R. Matamanda Siphokazi Rammile Mario MaraisThe housing and human settlement sector is fast changing, and technology is making it more complex than ever before. With reference to Zimbabwe, a developing country in Southern Africa, the essence of this book is to bring out housing as an issue within the technology debate and practice. The following themes emerge from the 6 chapters in the book: • The characterisation and conceptualisation of housing and technology and the nexus of both • The complexity of housing challenges and the problems governments face in providing adequate housing, especially for the poor • Diverse practices in housing construction through the application of different typologies of technology • Assessment of the feasibility of technologies in housing development in Zimbabwe by mirroring them against global experiences. • Discussion of alternative policy approaches that may guide technology integration in housing development. This book will excite scholars and practitioners in urban and development studies, construction project management, urban sociology, geography, real estate together with policymakers and government officials.
Housing and the Financial Crisis: Housing And The Financial Crisis (National Bureau of Economic Research Conference Report)
by Edward L. Glaeser Todd SinaiConventional wisdom held that housing prices couldnOCOt fall. But the spectacular boom and bust of the housing market during the first decade of the twenty-first century and millions of foreclosed homeowners have made it clear that housing is no different from any other asset in its ability to climb and crash. aaaaaaaaaaa "Housing and the Financial Crisis "looks at what happened to prices and construction both during and after the housing boom in different parts of the American housing market, accounting for why certain areas experienced less volatility than others. It then examines the causes of the boom and bust, including the availability of credit, the perceived risk reduction due to the securitization of mortgages, and the increase in lending from foreign sources. Finally, it examines a range of policies that might address some of the sources of recent instability.